Part exchanging car - do you mention remap?

[dannyjo22]

As much as I can see why the initial question has prompted some debate I somehow don't get the impression that dannyjo22 would be making this up....

I emailed a link to my accident to lopez (from his trust) as I'm pretty sure he used to be a Don and I thought I could trust him to see I wasn't lieing. It will shows him why the cars where not written off. Also to explain I was stupid to get involved in a thread I wasn't prepared to put full details up of.

My mistake, thousands of pounds worth of lawyer time couldve been saved if I'd just asked Ocuk

Anyway the OP has already done some investigation and found what would happen if the car was checked following a serious accident.

Thanks, I hope you understand my reasons for walking away from this thread now, not because I may or may not be a liar but because this isn't GD and the accident still upsets me. Apologies again for getting involved I just wanted to stop the OP from potentially landing someone else in trouble.

 

[[TW]Fox]

By your logic - any non visible modification (i.e. engine internals, ecu mapping, electrics, injectors in certain cases) don't need to be declared, as they aren't visible and the insurance companies wouldn't know?

It's not my logic at all, it's the law.

An insurance company CAN refuse to pay out but ONLY to you. For example, if you comprehensively insure your car and do not declare a modification which your insurance company would not normally cover, then you crash it into another car causing £5000 of damage to both cars, your insurer MUST pay the third party his £5000, but can refuse to pay you YOUR £5000.

They also then have the choice of sueing you to recover the cost of meeting the third party claim, but they MUST meet that third party claim irrespective of any civil/contractual disputes between themselves and the policyholder.

An insurance company will do ALL they can to avoid paying out a penny more than they have to..

This is true, but what is also true is that insurance companies have obligations under law. The only way they can muscle out of those obligations is by proving that their client was not liable for the accident. If their client was, there isn't much they can do, subject to what I've said above.

Disclaimer: I am not a lawyer. The above is my opinion, is not legal advice, and is given in good faith only. Please consult a lawyer before making decisions based on what I have said